Chem Family
Anniston, AL · Charter 61055 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$4.1MAssets
$1.2MLoans
$2.9MShares
$1.1MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 132 of 1682).
- Widest gap: net interest margin trails 99% of credit unions under $1B in assets (rank 1663 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.49%
Rank 1,147 of 1,683
Net Interest Margin
1.82%
Rank 1,663 of 1,683
Efficiency Ratio
73.68%
Rank 624 of 1,682
Equity / Assets
28.15%
Rank 67 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.49% | 0.35% | 0.74% | 1.18% | Beats 32% | 1,147 / 1,683 | | |
| Return on Equity | 1.75% | 2.67% | 5.89% | 8.74% | Beats 19% | 1,366 / 1,681 | | |
| Net Interest Margin | 1.82% | 3.31% | 3.82% | 4.32% | Beats 1% | 1,663 / 1,683 | | |
| Efficiency Ratio | 73.68% | 68.91% | 78.20% | 86.93% | Beats 63% | 624 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 28.15% | 10.44% | 12.89% | 16.53% | Beats 96% | 67 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 28.15% | 10.44% | 12.89% | 16.53% | Beats 96% | 67 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 41.74% | 52.61% | 69.38% | 83.50% | 13th pctl | 1,472 / 1,683 | | |
| Loans / Assets | 29.88% | 44.71% | 59.18% | 70.72% | 8th pctl | 1,554 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |